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                                  EXHIBIT 31.2
                             CERTIFICATION REQUIRED
                   BY RULES 13a-14(a) AND 15d-14(a) UNDER THE
                       SECURITIES AND EXCHANGE ACT OF 1934

I, Lark E. Wysham, Executive Vice President and Chief Financial Officer of
Citizens Bancorp (the "Company"), certify that:

      1. I have reviewed this annual report on Form 10-K of the Company;

      2. Based on my knowledge, this annual report does not contain any untrue
statement of a material fact or omit to state a material fact necessary to make
the statements made, in light of the circumstances under which such statements
were made, not misleading with respect to the period covered by this annual
report;

      3. Based on my knowledge, the financial statements, and other financial
information included in this annual report, fairly present in all material
respects the financial condition, results of operations and cash flows of the
Company as of, and for, the periods presented in this annual report;

      4. The Company's other certifying officer and I are responsible for
establishing and maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-14(e)) for the Company and we have: a)
designed such disclosure controls and procedures, or caused such disclosure
controls and procedures to be designed under our supervision, to ensure that
material information relating to the Company, including any consolidated
subsidiaries, is made known to us by others within those entities, particularly
during the period in which this annual report is being prepared; b) not
applicable; c) evaluated the effectiveness of the Company's disclosure controls
and procedures and presented in this report our conclusions about the
effectiveness of the disclosure controls and procedures, as of the end of the
period covered by this report based on such evaluation; and d) disclosed in this
report any change in the Company's internal control over financial reporting
that occurred during the Company's most recent fiscal quarter (the registrant's
fourth fiscal quarter in the case of an annual report) that has materially
affected, or is reasonably likely to materially affect, the Company's internal
control over financial reporting;

      5. The Company's other certifying officer and I have disclosed, based on
our most recent evaluation of internal control over financial reporting, to the
Company's auditors and the audit committee of the Company's board of directors
(or persons performing the equivalent function): a) all significant deficiencies
and material weaknesses in the design or operation of internal control over
financial reporting which are reasonably likely to adversely affect the
Company's ability to record, process, summarize and report financial
information; and b) any fraud, whether or not material, that involves management
or other employees who have a significant role in the Company's internal
controls over financial reporting.

                              Date: March 21, 2006.

/s/ Lark E. Wysham
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Lark E. Wysham
Executive Vice President and Chief Financial Officer